Bankruptcy Lawyers in Ontario, California

Get Ontario Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.

A person struggling with overwhelming debt and considering bankruptcy.

Struggling With Overwhelming Debt in Ontario? You’re Not Alone

Many individuals and families in Ontario are burdened by credit card bills, medical debts, and constant creditor calls.

If you are unable to keep up with payments and need a fresh start, you may qualify for California bankruptcy under federal bankruptcy protections.

 

Kostopoulos Bankruptcy Law Firm helps clients statewide in California

Stop collections and wage garnishments immediately

Eliminate qualifying debts and regain peace of mind

Protect exempt property while discharging debt

Create a clear path to rebuild your financial future

How Bankruptcy Works in Ontario, CA

STEP 1

Free Consultation With an Experienced Bankruptcy Attorney

Talk with a dedicated bankruptcy professional to assess your financial challenges, explain your legal choices, and see if you qualify without any pressure.

STEP 2

We Build a Personalized Bankruptcy Strategy

We craft a bankruptcy plan that fits your unique financial needs, guiding you on protecting assets, managing dischargeable debts, and stopping collection actions immediately.

STEP 3

We File Your Bankruptcy Petition Accurately

We prepare your bankruptcy filing meticulously, ensuring your documents are accurate while guiding you through the Chapter 7 or Chapter 13 process.

STEP 4

Receive Legal Protection and Debt Relief

Once filed, the automatic stay stops collections, lawsuits, and garnishments while your bankruptcy case proceeds. Our team handles the legal work, keeping you informed every step of the way so you can focus on your next chapter.

Why Ontario Residents Choose Kostopoulos Bankruptcy Lawyers

No Hidden Fees

Clear, upfront pricing with flexible payment options.

Trusted Legal Guidance

Serving clients across California with decades of bankruptcy experience.

Stop Collections Immediately

The automatic stay stops creditor calls, lawsuits, and garnishments.

Keep Your Property Where Eligible

Most clients protect their essential assets under bankruptcy exemptions.

Personalized, Compassionate Service

Work directly with an experienced bankruptcy attorney throughout your case.

Who Qualifies for Bankruptcy in Ontario, CA?

You may qualify for bankruptcy in Ontario if:

  • You are unable to pay debts as they come due.

  • You have unsecured debts like credit cards or medical bills, or are behind on secured debts.

  • You pass the Means Test for Chapter 7 or have income to fund a Chapter 13 plan.

  • You complete a court-approved credit counseling course before filing.

  • You have not recently filed bankruptcy within restricted timeframes.

  • You reside in California and are over 18 years old.

Most Common Debt Problems We Can Solve

Drowning in Credit Card Debt

We assist in discharging or reorganizing overwhelming credit card debts, giving you a clean slate while safeguarding key assets.

Aggressive Debt Collection

Tired of constant debt collection calls? Bankruptcy protection stops harassment and collections immediately.

Unmanageable Monthly Payments

Overwhelmed by monthly bills? Bankruptcy may help eliminate or reduce payments you’re struggling to afford.

Facing Foreclosure or Vehicle Repossession

Bankruptcy can stop foreclosure or vehicle repossession, providing time to reorganize payments and protect your property.

Loss of Income or Employment

Facing income loss? Bankruptcy may help protect your property and give you a path to recovery.

Medical Bills Overload

We help discharge heavy medical debts through bankruptcy, reducing your financial burden so you can heal without added stress.

5-Star Reviews From Local Ontario Clients

Highly Recommend

“The Kostopoulos team made the bankruptcy process clear and manageable. No judgment, just real help.”

James A.

Life-Changing Results

“I was overwhelmed by debt and constant calls. Kostopoulos guided me through bankruptcy and helped me protect what mattered.”

Monica H.

Fast and Professional

“They helped me stop garnishments and eliminate over $32k in debt, giving me a fresh start.”

Tamara K.

FAQs About FILING BANKRUPCTY in Ontario, CA

Filing can discharge unsecured debts and stop collections, allowing you to regain financial control.

Although bankruptcy lowers your credit at first, it often helps clients rebuild and strengthen their credit profiles in the long run.

Expect about 4–6 months for Chapter 7, while Chapter 13 payments typically continue for 3–5 years.

We provide clear, upfront fees and flexible payment options to make filing bankruptcy easier for you.

Bankruptcy can clear debts like credit cards, medical bills, personal loans, and certain older tax debts while protecting exempt assets.

Yes, bankruptcy protects your wages by stopping garnishments as soon as you file.

Do you have a matter with which our lawyers can help you?

Get a Free, No-obligation Consultation